Credit Agricole Polska review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Credit Agricole Polska suits expats and travellers who want local Polish account details and a bank deposit rather than a wallet balance. Fees are lean, with a monthly fee of PLN 0 and a currency conversion fee of 0%, but savings pay 0.75% to 1.25% on a fixed rate over 1 to 36.
Key facts
- Best for
- Expats and travellers in Poland who want a fee-free bank account with a fixed term deposit.
- Monthly fee
- PLN 0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0%↗
- Currencies
- 4↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- PLN 0↗
- Transfer fee
- 0 PLN ordinary transfer in CA24 eBank and app; 7 PLN express Elixir transfer; SWIFT 0.25% (min 60 PLN, max 300 PLN)↗
- Legal entity
- Credit Agricole Bank Polska S.A.↗
- Headquarters
- Poland↗
- Founded
- 1991↗
- Support channels
- Phone, Chat, Help-centre↗
- Audience
- Expats, Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals
- Official website
- credit-agricole.pl
Savings
Money transfer
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- WikidataLinkedIncasfera.pl
Pros and cons
Pros
- A monthly fee of PLN 0 and an ATM allowance of PLN 0.
- A currency conversion fee of 0% across 4 currencies, with local account details for being paid like a local.
- Deposits sit under EU DGS up to EUR 100,000, and the bank is supervised in Poland.
- Help is available by phone, chat and help centre.
Cons
- Term deposits pay 0.75% to 1.25% on a fixed rate, under the site median of 3%.
- Savings here are fixed, running 1 to 36 with a PLN 1,000 minimum deposit.
- Only 4 currencies, against a multi-currency median of 5.
Who it suits
- Expats and travellers, the stated audience here, who want local account details and a low cost account.
- Polish residents who can meet a PLN 1,000 minimum and want 0.75% to 1.25% locked in for a set period.
- People who like a branch as well as the app, since deposits open in the mobile app, in online banking or over the counter.
Who should look elsewhere
- Readers who want a wallet label rather than a bank licence: Skrill charges a monthly fee of €0, while the savings here are fixed deposits under EU DGS up to EUR 100,000.
- Anyone chasing a long currency list, since 4 is the whole range here; PayPal Colombia and eToro sit in the same comparison if that matters more to you.
Safety of your money
Deposits with Credit Agricole Bank Polska S.A. are covered by EU DGS up to EUR 100,000, so the balance sits with the EU scheme as well as with the bank. The bank is supervised in Poland by Komisja Nadzoru Finansowego, and its licence id is 66. Bank status plus a deposit scheme is the core of how your money is covered here.
How Credit Agricole Polska compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9eToro's monthly fee is £0, so compare it with the free monthly fee here plus a term account paying 0.75% to 1.25% on a fixed rate.
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0Worth weighing if a wallet label matters more than a bank licence: Skrill's monthly fee is €0, while here you also get local account details and EU DGS up to EUR 100,000.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where Credit Agricole Polska is available
- Available
- Poland
- Licence in Poland
- Komisja Nadzoru Finansowego (KNF) (66), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account?+
The everyday account carries a monthly fee of PLN 0, and the ATM allowance is PLN 0, so cash withdrawals add no extra charge. The currency conversion fee is 0% on the package aimed at expats and travelers.
Is my money protected?+
Deposits are covered by EU DGS up to EUR 100,000, which is the EU scheme rather than a balance held only with the bank. The provider is Credit Agricole Bank Polska S.A., a bank rather than an e-money issuer, so the protection covers the balances you hold there.
Who regulates this bank?+
The bank is supervised in Poland by Komisja Nadzoru Finansowego, and its licence id is 66. The registered entity behind the accounts is Credit Agricole Bank Polska S.A., and the bank has been operating since 1991.
What savings accounts are on offer?+
The savings side is a fixed term deposit paying 0.75% to 1.25% on a fixed rate. Terms run 1 to 36 and the minimum deposit is PLN 1,000. You can open it in the bank's mobile app, in online banking or in a branch.
How many currencies can I hold?+
The currency accounts cover 4 currencies, and each carries iban so you can be paid like a local. Money comes out to bank and card, covering bank and card payouts. That count sits below the multi-currency median of 5.
What do transfers cost?+
Ordinary transfers in the mobile app and in online banking are PLN 0. Express domestic transfers and SWIFT transfers in other currencies are charged, with SWIFT taking a percentage of the sum within a floor and a cap. Budget for that if you send money abroad often.
Who is this account built for?+
The bank is built for expats and travelers, and it is a Polish institution with its headquarters in Poland. That makes the most sense if you are living in Poland, working there, or moving money into and out of the country. Holding several currencies at once is the weaker side here.
Sources
- pl.wikipedia.org/wiki/Credit_Agricole_Bank_Polska checked September 26, 2026
Backs: Founded
- credit-agricole.pl/klienci-indywidualni/konta/konto-dla-c... checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Features, Currency conversion fee, Pricing model, Monthly fee, Support channels
“0 zl za wyplaty z bankomatow w placowkach Credit Agricole i z ponad 4000 bankomatow sieci Planet Cash”
- credit-agricole.pl/klienci-indywidualni/konta/rachunki-wa... checked September 26, 2026
Backs: Currencies, Local account details, Payout methods, Transfer fee, Fee to send 1,000
“SEPA and SWIFT transfers to accounts; one multi-currency card for the personal and currency accounts, usable at all Visa or Mastercard merchants”
- credit-agricole.pl/klienci-indywidualni/oszczednosci-i-in... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Term
“Minimalna wplata 1000 zl (Bankowe lokaty terminowe)”
- credit-agricole.pl/oprocentowanie checked September 26, 2026
Backs: Headline rate, Rate type
“Lokaty terminowe w PLN - oprocentowanie stale, Oferta standardowa: 30 dni 0,75%, 1 rok 1,25%, 3 lata 1,25%”
- credit-agricole.pl/regulamin checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Credit Agricole Bank Polska Spolka Akcyjna z siedziba we Wroclawiu, ul. Legnicka 48 bud. C-D, 54-202 Wroclaw”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.
Related by the facts
Credit Agricole Polska
Expats and travellers in Poland who want a fee-free bank account with a fixed term deposit.